Is it worth it?
Model your own unique financial scenario using a standard investment Methodology.
Custom ROI Calculator
Compare the long-term value of a degree vs. entering the workforce.
Duration: 4 years
Earnings AssumptionEnter either value - they update each other
$
Typical College Scorecard metric
OR
$
Your expected salary upon graduation
$
Est. Net Cost (Tuition + Living - Grants)
Lifetime Value (NPV) Added
+$272,083
vs High School Graduate
Break-even Age
29
11 years after starting
Total ROI
320.9%
Internal Rate of Return
Analysis Breakdown
| Metric | Your Selection | Median College | Median HS |
|---|---|---|---|
| Lifetime Earnings (Pre-Tax, Net of Costs) | $6,108,565 | $3,182,284 | $2,755,586 |
| Lifetime Earnings (After-Tax, Net of Costs) | $4,617,994 | $2,562,748 | $2,287,778 |
| NPV Lifetime Earnings (Pre-Tax, Net of Costs) | $998,035 | $492,638 | $572,515 |
NPV Lifetime (After-Tax, Net of Costs) The most important result | $756,458 | $396,251 | $484,376 |
Methodology Note: This model assumes a 7.8% discount rate for NPV calculations. Wages grow at 2% annually. Costs inflate at 5.6%. Taxes are estimated using 2025 Federal Single Filer brackets (Standard Deduction $15,000).